The FNB Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 532.6% in Q2 2026, from $3.4M to $21.7M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The FNB Community Bank is 182nd of 323 on loan-to-deposit ratio, 73.09% as of Q2 2026, below the middle of the field. The FNB Community Bank reported 73.09% on loan-to-deposit ratio for Q2 2026, 7.85 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $162.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $21.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.09% |
| Net loans and leases to deposits | 72.26% |
| Loans and leases to core deposits | 84.87% |
| Core deposits to total deposits | 86.12% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 59.83% | 93.45% | $0 | $27.9M |
| Q4 2023 | 59.91% | 91.11% | $0 | $25.4M |
| Q1 2024 | 60.15% | 90.60% | $0 | $24.6M |
| Q2 2024 | 60.09% | 87.80% | $0 | $14.5M |
| Q3 2024 | 62.17% | 88.10% | $0 | $14.5M |
| Q4 2024 | 63.61% | 87.73% | $0 | $9.0M |
| Q1 2025 | 61.78% | 86.69% | $0 | $2.4M |
| Q2 2025 | 61.15% | 87.92% | $0 | $2.4M |
| Q3 2025 | 63.87% | 88.12% | $0 | $2.4M |
| Q4 2025 | 67.55% | 85.95% | $0 | $2.4M |
| Q1 2026 | 69.46% | 85.82% | $1.9M | $3.4M |
| Q2 2026 | 73.09% | 86.12% | $0 | $21.7M |
The FNB Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The FNB Community Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3840) · FFIEC NIC profile (RSSD 137447)